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Need $100 fast? You are not alone. Millions of Americans run short before payday, and a $100 cash advance can cover gas, groceries, or an overdue bill without racking up bank overdraft fees.
We compared 12 popular cash advance apps to find the fastest, cheapest ways to borrow $100 right now. Every fee, limit, and delivery speed below comes from each app’s official pricing, verified as of July 2026.
Best Apps to Borrow $100 (2026)
| App | Max Advance | Subscription | Express Fee (~$100) | Best For | Get Started |
|---|---|---|---|---|---|
 MoneyLion |
Up to $500 | $0/mo | $8.99 | $100 per draw | Get MoneyLion |
 Tilt |
Up to $400 | $8/mo* | $5.00 | Low express fee | Get Tilt |
 Cleo |
Up to $250 | $5.99/mo | $3.99 – $9.99 | Gig workers | Get Cleo |
 Brigit |
Up to $500 | $8.99/mo | $0.99 – $3.99 | Budgeting + advances | Get Brigit |
 Klover |
Up to $200 | $0/mo | Up to $12.29 | No sub, earn points | Get Klover |
 Chime MyPay |
Up to $500 | $0/mo | $3.00 (Chime acct) | Lowest total cost | Get Chime |
 Albert |
Up to $250* | $0/mo | Fees may apply | No sub required | Get Albert |
 Grant |
Up to $500 | $9.99/mo | $2 – $21 | Growing limits | Get Grant |
 Current |
Up to $750 | $0/mo | Fee (Current acct) | High max, banking | Get Current |
 FloatMe |
$100 (existing members) | $4.99/mo* | $7.00 | Established members | Get FloatMe |
 EarnIn |
$150/day | $0/mo | $5.99 | Earned wage access | Read Review |
 Dave |
Up to $500 | $5/mo | 5% + 5% mandatory | Dave banking users | Read Review |
*Free trial available. Albert’s $250 max is subject to eligibility; some qualifying users see limits up to $1,000, but few qualify for the top amount. Express fees shown are for sending roughly $100 to an external bank account instantly. Standard (free) delivery typically takes 1 to 5 business days. Chime and Current deliver to their own bank accounts only. All fees verified July 2026.
Best App for Your Situation
Lowest Total Cost
Chime MyPay charges just 3% for instant delivery, so getting $100 costs a flat $3.00 with no monthly fee. Do not have a Chime account? EarnIn has no subscription either, and its Lightning Speed fee is $5.99 for Cash Outs over $75.
No Subscription Fee
MoneyLion, Klover, Albert, and EarnIn let you borrow $100 without paying a monthly fee. You only pay the express fee if you choose instant delivery.
Banking + Cash Advance in One App
Chime MyPay and Current combine a free checking account with cash advances up to $500 or $750. You get your paycheck up to two days early, and the advance goes straight into your account with no external transfer needed.
How Much Does a $100 Cash Advance Cost?
The cost of borrowing $100 depends on three things: the monthly subscription (if any), the express fee for instant delivery, and optional tips (only a few apps ask). Here is what each app actually charges, ordered from lowest to highest total cost:
| App | Subscription | Express Fee | Other Fees | Total Cost |
|---|---|---|---|---|
| Chime MyPay | $0 | $3.00 | Chime acct required | $3.00 |
| EarnIn | $0 | $5.99 | Tips optional | $5.99 |
| MoneyLion | $0 | $8.99 | Tips optional | $8.99 |
| Brigit | $8.99/mo | $0.99 – $3.99 | None | $9.98 – $12.98 |
| Cleo | $5.99/mo | $3.99 – $9.99 | None | $9.98 – $15.98 |
| FloatMe* | $4.99/mo | $7.00 | Existing members only | $11.99 |
| Grant | $9.99/mo | $2 – $21 | None | $11.99+ |
| Klover | $0 | Up to $12.29 | Points offset fees | Up to $12.29 |
| Tilt* | $8.00/mo | $5.00 | None | $13.00 |
| Dave | $5.00/mo | $5.00 (5%) | $5.00 mandatory (5%) | $15.00 |
| Albert | $0 | Not disclosed | Transfer fees may apply | Varies |
| Current | $0 | Not disclosed | Current acct required | Varies |
*Free trial available. Tips are always optional and excluded from totals. FloatMe’s $100 Float is only available to established members; new members are capped at $50. All data from primary sources verified July 2026.
Not sure which app is right for you? Our full directory compares 35+ cash advance apps with filters for fees, limits, and features.
Cash Advance App Reviews
MoneyLion Instacash: $100 Per Transaction, No Subscription
MoneyLion’s Instacash feature lets you borrow up to $500 with no interest, no credit check, and no monthly subscription fee. Here’s a detail that matters if you need exactly $100: each Instacash transaction is capped at $100, so a single draw gets you exactly the amount you’re after without overshooting your limit.
New users typically start at $10 to $50 and build up from there based on deposit history. You can take multiple $100 draws per pay period once your limit supports it, which is how MoneyLion members reach the full $500.
Delivery speed: Standard delivery to an external bank takes 2 to 5 business days (free). For a $100 advance to an external bank, the express fee is $8.99. With a RoarMoney account, standard delivery takes 1 to 2 days and the express fee drops to $6.99 for $100.
How you pay it back: MoneyLion automatically deducts your advance from your next paycheck deposit.
- No monthly subscription required
- $100 per-transaction cap makes it easy to get exactly $100
- Up to $500 ($1,000 with RoarMoney) across multiple draws
- No credit check
- Express fee is $8.99 for a $100 advance to an external bank
- External bank standard delivery takes 2-5 days
- Tips prompted (always optional)
- $10-$50 starting limit for new users
Tilt: Up to $400 with Predictable Pricing
Tilt (formerly Empower) offers cash advances up to $400 with no interest, no tips, and no credit check. New users typically qualify for about $102, with returning users averaging $171, so most people land right around $100 on their very first advance.
Tilt’s express fee schedule is tiered and disclosed upfront. A $100 advance to an external bank costs $5.00 in express fees. If you use a qualifying Tilt Card, express delivery is free.
Subscription: $8.00 per month with a 14-day free trial for new members. You can opt out by emailing help@tilt.com.
Delivery speed: Express delivery to an external bank is nearly instant. Standard delivery is free but takes longer.
- 14-day free trial
- First-time offers average $102, close to what you need
- Clear, tiered express fees ($5.00 for $100)
- Free express delivery to Tilt Card
- $8/month subscription after trial
- Must email to cancel subscription
- One advance at a time
Cleo: Up to $250, Gig Workers Welcome
Cleo is an AI-powered money app that offers cash advances up to $250 on its Plus plan ($5.99/month). It is one of the friendlier apps toward freelancers and gig workers, since it does not require proof of a traditional job or minimum recurring deposits the way some apps do.
First-time users typically start at $20 to $100, and your limit grows based on your linked bank account history. Beyond the advance, Cleo’s AI assistant analyzes your spending, gives you (sometimes sassy) tips to save money, and offers cashback on purchases.
Delivery speed: Same-day express delivery to your external bank costs $3.99 to $9.99. The exact express fee is shown in the app before you accept. Standard delivery is free but takes a few business days.
Good to know: Cleo settled with the FTC in March 2025 for $17 million over advance amount claims. The app has since updated its disclosures.1
- Friendly toward gig and freelance income
- AI budgeting and spending analysis
- No credit check, no interest, no tips
- App Store rating: 4.6
- $5.99/month subscription required
- Express fees up to $9.99
- Lower max ($250) vs. competitors
- FTC settlement history (2025)
Brigit: Up to $500 with Budgeting Tools
Brigit offers cash advances up to $500 on its paid plans. The Plus plan ($8.99/month) gives you advance access, while the Premium plan ($15.99/month) adds free express delivery and a credit builder feature.
New users typically start at $50 to $150, so many members reach $100 on their first request. You must repay one advance before requesting another.
Delivery speed: Express delivery to your external bank takes about 20 minutes and costs $0.99 to $3.99 on the Plus plan (free on Premium). Standard delivery is free and takes 2 to 3 business days.
Brigit also tracks your spending patterns, warns you about upcoming low balances, and can automatically transfer money to cover potential overdrafts. It is one of the better “advance plus budgeting” combos.
- Up to $500 advance limit
- Low express fees ($0.99-$3.99)
- Overdraft prediction and alerts
- Credit builder on Premium
- Available nationwide
- $8.99-$15.99/month subscription
- Must repay before next advance
- Must email to opt out of subscription
Klover: No Subscription, Points Offset Fees
Klover lets you borrow up to $200 (up to $400 with point boosts) with no monthly subscription, no interest, and no credit check. New users typically start at $5 to $100.
The way Klover keeps costs low is through its points system. You earn points by scanning receipts, completing surveys, and watching ads. Those points can reduce or eliminate your express fees.
Delivery speed: Express delivery to your external bank costs up to $12.29 for a $100 advance (before points offset). Standard delivery is free but takes a few business days.
Optional Klover+ ($4.99/month): Adds credit monitoring and bill tracking. It is not required for advances, but note that Klover auto-enrolls new signups into a 30-day Klover+ trial, so cancel in-app if you do not want the $4.99/month charge to continue.
- No subscription required for advances
- Points system to reduce express fees
- No credit check, no interest
- Up to $400 with point boosts
- Express fee up to $12.29 for $100 without points
- Lower starting limits ($5-$100)
- Klover+ trial auto-enrolls at signup
Chime MyPay: $0 Sub, Cheapest Way to Get $100
Chime MyPay lets you access up to $500 of your paycheck early with no subscription fee, no interest, and no credit check. Most members start at $50 to $100, and the limit grows with your direct deposit history.
MyPay delivers only to your Chime Checking account. You need a Chime account with recurring direct deposits to qualify. It is not a standalone cash advance app.
Delivery speed: Free delivery within 24 hours to your Chime account. Instant delivery (in seconds) costs 3% of your advance, with a $2 minimum and $5 maximum. For a $100 advance, that works out to a flat $3.00, the lowest express fee of any app in this guide.
If you already bank with Chime, or want a free checking account that also offers early paycheck access, MyPay is the cheapest way to get $100 fast.
- No subscription fee
- Free delivery within 24 hours
- Express fee is just $3.00 for $100
- Up to $500 limit
- Get paid up to 2 days early
- Chime account required
- Delivers to Chime only (not external banks)
- Not available in all states
- Requires qualifying direct deposits
Albert Instant: No Subscription, Discretionary Advances
Albert’s Instant Advance lets you borrow $25 to $250 (up to $1,000 for some qualifying users) with no credit check, no interest, and no late fees. An Albert subscription is not required to use Instant Advance.2
Delivery speed: Transfer fees may apply for faster delivery. The exact fees are shown in the app when you request an advance. Albert does not publicly disclose its express fee schedule.
Albert also offers budgeting tools, automated savings, and a checking account with early paycheck access. The Genius feature ($14.99/month) is separate and optional.
- No subscription required for advances
- No credit check, no interest, no late fees
- $25 to $250 range covers a $100 request comfortably
- Budgeting and savings tools included
- Express fee amounts not disclosed upfront
- Not all users qualify
- Advance offered at Albert’s discretion
Grant: Up to $500 with Growing Limits
Grant offers cash advances up to $500 with no interest, no credit check, and no late fees. The average advance is $118, so a $100 request is right in Grant’s typical range for many members.
What makes Grant interesting is that advance limits grow quickly after a few on-time repayments. 98% of express transfers are completed within 60 seconds.
Subscription: Grant Plus costs $9.99/month and unlocks bill tracking and overdraft protection. The default app flow steers users toward this subscription.
Express fees: Range from $2 to $21 depending on the advance amount. The full tier schedule is not publicly disclosed. Standard delivery is free.
- Average advance ($118) close to a $100 request
- 98% of express transfers in under 60 seconds
- No interest, no credit check
- Up to $500 max
- $9.99/month subscription
- Express fee schedule not fully disclosed ($2-$21)
- Not available in CT, DC, MD, NV, RI, SC, WI
Current: Up to $750 with Free Banking
Current’s Paycheck Advance lets you access up to $750 of your earned pay early with no subscription, no interest, and no credit check. You can take multiple advances up to your qualified amount.
Like Chime, Current requires you to have a Current bank account with eligible payroll deposits. Advances go to your Current account only.
Delivery speed: Standard delivery (fee-free) takes about 3 business days. Instant Access is available but the express fee is disclosed in the app when an advance is offered, not on the public website.
If you want a banking app with one of the highest advance limits and no monthly fee, Current is worth checking out.
- Up to $750 advance limit
- No subscription fee
- Multiple advances allowed
- Free banking with early paycheck
- Current account required
- Advances to Current only (not external banks)
- Express fee not publicly disclosed
- Requires eligible payroll deposits
FloatMe: $100 Floats for Established Members
FloatMe is a simple, straightforward cash advance app. New members can borrow up to $50 to start; established members with a history of on-time repayments can access up to $100. If you are brand new to FloatMe, you likely will not reach $100 on your first Float.
Subscription: $4.99/month after a 7-day free trial.
Express fee: Instant delivery for a $100 Float costs $7.00. Standard delivery is free but takes a few business days. You must repay before your next Float.
- Simple and easy to use
- 7-day free trial
- No credit check, no tips
- App Store rating: 4.8
- $100 max only for established members; new members capped at $50
- $4.99/month subscription after trial
- $7 express fee for $100
- Must repay before next advance
EarnIn Cash Out: Get $100 a Day, No Subscription
EarnIn works differently from most cash advance apps. It is an earned wage access service, which means it lets you cash out money you have already earned but have not been paid yet. You can withdraw up to $150 per day and up to $1,000 per pay period, so a $100 Cash Out is well within reach even for brand-new users with a qualifying job.
There is no monthly subscription. EarnIn does ask for optional tips during the request flow, but tipping is not required and does not affect your limit or access.
Express fee: Lightning Speed delivery costs $3.99 for Cash Outs up to $75 and $5.99 for Cash Outs over $75, so a $100 Cash Out costs $5.99 for instant delivery. Standard delivery (1 to 2 business days) is free.
EarnIn is a solid choice if you have consistent employment and want to access your pay before payday without a subscription.
- No subscription fee
- Up to $150/day, $1,000/pay period
- No credit check
- $100 reachable even for new users with steady work
- Tips prompted (optional but persistent)
- Requires consistent employment/hours
- DC AG enforcement action filed Nov 2024
Dave ExtraCash: Up to $500 (Watch the Mandatory Fee)
Dave’s ExtraCash lets you borrow up to $500 with no credit check and no interest. The $5/month subscription gives you access to the advance feature plus budgeting tools.
Here is what to watch: Dave charges a mandatory 5% fee on every advance, regardless of how you receive the money. On a $100 advance, that is $5.00 you cannot avoid. If you also choose express delivery to an external debit card, there is an additional 5% express fee ($5.00 more). That brings a single $100 express advance to $15.00 total with the subscription included.
Delivery speed: Instant to a Dave Checking account (free, but mandatory 5% still applies). Express delivery to an external debit card takes up to an hour (5% express fee). Standard to an external bank takes about 3 business days (free delivery, but the mandatory 5% still applies).
Dave eliminated tips in February 2025 following an FTC settlement.
- Up to $500 max advance
- No credit check, no interest
- Instant delivery to Dave account
- No tips (eliminated 2025)
- 5% mandatory fee on every advance
- $5/month subscription
- Additional 5% express fee for external delivery
- $15 total cost for $100 express advance
How to Borrow $100 Instantly (Step by Step)
Getting $100 through a cash advance app is quick. Here is how it typically works:
- Download the app from the App Store or Google Play. Most apps are free to download.
- Create your account and link your checking account. The app needs to see your deposit history to determine your advance limit.
- Wait for approval. Some apps approve you in minutes. Others need a few days to analyze your transaction history. There is no credit check with any of the apps listed above.
- Request your $100 advance. Choose how much you need (up to your approved limit) and select your delivery speed: free standard (1 to 5 business days) or instant with an express fee.
- Repay automatically. Most apps deduct your advance from your next paycheck deposit. You do not need to set reminders or make manual payments.
Tip: If you do not need $100 this instant, choosing standard (free) delivery can save you $3 to $21 in express fees. Plan ahead when you can.
Compare All Cash Advance Apps
See the full directory of 35+ cash advance apps with fees, limits, and delivery speeds. Find the best fit for your situation.
FAQ: Borrowing $100 Instantly
How can I borrow $100 instantly?
Download a cash advance app like MoneyLion, Tilt, or EarnIn. Link your bank account, get approved (usually within minutes), and request $100. Choose express delivery to receive funds in minutes for a small fee, or pick free standard delivery (1 to 5 business days). None of the apps listed above require a credit check.
What is the best $100 loan instant app?
Cash advance apps are often called “instant loan apps,” but they work differently than payday loans since there is no interest and no credit check. For a $100 draw, Chime MyPay is the cheapest option ($3.00 total) if you already bank with Chime. MoneyLion Instacash is the best all-around pick with no subscription and a $100 per-transaction cap that matches exactly what you need. See our full cash advance app directory to compare all options.
How much does a $100 cash advance cost?
The total cost ranges from about $3 to $15 depending on the app, subscription fees, and whether you choose express delivery. The cheapest option is Chime MyPay ($3.00 total, Chime account required) or EarnIn ($5.99, no subscription). If you can wait for free standard delivery, MoneyLion, Klover, and EarnIn have no subscription, so the advance itself costs $0.
Can I get $100 instantly with no credit check?
Yes. Every cash advance app in this guide skips the traditional credit check. Instead of pulling your credit score from Equifax, Experian, or TransUnion, these apps look at your bank account activity, deposit history, and spending patterns to decide how much you can borrow.
Can I get $100 for free (with no fees)?
You can get close. MoneyLion, Klover, EarnIn, Albert, and Current have no subscription fee. If you choose free standard delivery (1 to 5 business days), you pay $0 in total. Express fees only apply if you choose instant delivery.
How fast will $100 hit my account?
With express delivery, most apps send $100 to your bank in minutes. MoneyLion, Brigit, Tilt, and Grant all offer delivery in under an hour. Free standard delivery takes 1 to 5 business days depending on the app and whether you have the app’s own bank account.
What if I need $100 and have bad credit?
Cash advance apps do not use your credit score to approve you. Whether your credit is perfect or terrible, these apps look at your bank account history and direct deposits instead. So having bad credit does not stop you from getting a $100 advance. Just link your bank, show some deposit history, and you should be eligible with most apps.
What if I don’t have a regular job or direct deposit?
Most cash advance apps require some form of recurring income (direct deposits, gig payments, or government benefits deposited to your bank account). If you do not have any recurring deposits, your options are more limited. Klover may work for some users without traditional direct deposit, and Albert does not strictly require it. But in general, cash advance apps need to see regular money coming into your account to approve you.
Is a $100 cash advance the same as a payday loan?
No. Payday loans charge interest (often 400%+ APR) and may check your credit. Cash advance apps charge a flat fee or subscription instead of interest, and none of them check your credit score. However, both are short-term borrowing tools meant to bridge you to your next paycheck. The CFPB has more details on payday loan costs if you want to compare.
Which apps can give me exactly $100?
All 12 apps in this guide can fund $100. MoneyLion caps individual transactions at exactly $100, making it a natural fit. Tilt, Cleo, Brigit, Klover, Albert, Grant, EarnIn, Dave, and Current all let you choose $100 or customize your advance amount once approved. FloatMe only offers $100 to established members (new members cap at $50).
Related Cash Advance Guides
- Cash Advance App Directory: Compare All 35+ Apps
- How to Borrow $50 Instantly
- How to Borrow $300
- Get a $500 Loan Instantly
- Tilt App Review
- Dave ExtraCash Review
- EarnIn App Review
- PockBox: Compare Personal Loan Offers Up to $2,500, Even with Bad Credit
- Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Same day transfers subject to express fees.
- Download the Albert app to see if you qualify. Repay the advance with your next paycheck. Fees may apply. Advance amounts based on qualification and may vary. Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC.
